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Expertise. Solution. Service. MAXIMUM offers a specialized Cyber Liability and Data Security insurance program designed to help agents and brokers protect their clients from the growing risk of cyber threats. As a trusted wholesale broker, MAXIMUM provides access to competitive cyber coverage that addresses a wide array of exposures—from data breaches to identity theft—for small to mid-sized businesses across a wide range of industries. Ideal Accounts and Appetite This program is tailored for businesses with annual revenues under $15 million. It suits a broad mix of industries, including professional services, retail, hospitality, healthcare, contractors, and more. Some target classes include: Accountants, architects, engineers, and consultants Restaurants, bars/taverns, convenience stores, and caterers Doctors, dentists, physical therapists, and home health aides Retailers, auto repair shops, printers/publishers* Property managers, real estate agencies, and insurance agencies Artisan contractors, janitorial services, and landscapers Non-profits, day cares, libraries, and e-commerce operations *Note: Part C Website Liability is not available for certain classes. This program is not suitable for high-exposure or heavily regulated industries, such as banks, law firms, hospitals, social networking platforms, or IT manufacturers. Risks with over $25 million in receipts or poor loss history (two or more related claims in the past five years) are also ineligible, as are risks located in AL, LA, MS, or WV. Coverage Highlights and Advantages MAXIMUM’s Cyber Liability and Data Security program offers robust protection across multiple exposures: Available Limits: • Part A - Data Breach and Security Breach Liability: Up to $1 million • Up to $250,000 per claim for regulatory defense • Up to $100,000 per claim for PCI fines and penalties • Part B - Data Breach Expense: Up to $1 million • Up to $25,000 for cyber extortion expense • Business interruption and data restoration available • Part C - Website Liability: Up to $1 million • Part D - Identity Theft Coverage: Up to $100,000 Product Advantages: • Expenses for data breach, website liability, and identity theft are paid as incurred • Separate aggregate limits per coverage part, with optional combined limit • Website liability extends to social media platforms • Competitive premiums with average policies around $1,000 • Backed by carriers rated A- or better by AM Best Underwriting Notes • Retentions start at $2,500 • Identity theft coverage retention starts at $0 Quick underwriting and responsive service make MAXIMUM an ideal partner for agents placing cyber liability coverage for small to mid-sized businesses. You might have a retail store client with an e-commerce platform or a local doctor’s office that handles sensitive patient data—both are solid fits for this program. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and WA. Coverage is offered on a non-admitted basis in most states, allowing for flexible underwriting and tailored solutions. Why Work With MAXIMUM MAXIMUM is a national wholesale brokerage known for delivering smart, responsive solutions for complex and emerging risks. With a dedicated Cyber Liability and Data Security program, they combine market access, underwriting strength, and excellent service to help agents succeed in protecting their clients from cyber threats. When you work with MAXIMUM, you gain a partner committed to placing the right coverage quickly and efficiently. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this cyber liability program?This program is best suited for small to mid-sized businesses with under $15 million in annual revenue. Ideal classes include professional services, retail, hospitality, healthcare, contractors, and non-profits. What are some examples of ineligible risks?Ineligible risks include banks, law firms, IT manufacturers, adult entertainment, medical labs, social networking platforms, and businesses with more than $25 million in receipts or multiple recent cyber-related claims. What coverage parts are included in the policy?The policy includes four main parts: Data Breach and Security Breach Liability, Data Breach Expense, Website Liability, and Identity Theft Coverage. Limits can go up to $1 million for most parts. Is website liability included for all industries?No, website liability (Part C) is not included for certain industries such as printer/publisher, advertising firms, and condo/homeowner associations. What states is this program available in?The program is available in most states, excluding AL, LA, MS, and WV. It is offered on a non-admitted basis in many locations. Need help placing an account? Connect with a market specialist.

Overview — Medical Malpractice & Healthcare Placement Preferred Concepts LLC places Medical Professional Liability (medical malpractice) and Healthcare liability risks through specialty markets described below. The program focuses on hard-to-place physicians and surgeons, miscellaneous medical service providers, managed care accounts, and healthcare D&O/E&O exposures. The detailed market description below references Mercator Risk Services, a specialty underwriting partner referenced in the program materials; please follow the submission guidance to ensure the strongest placement opportunity. Ideal Accounts and Appetite This program is designed for agents who have clients that are difficult to place in standard markets. Typical opportunities include: Physicians and surgeons with adverse or complex loss histories Practices in higher-exposure specialties (for example, OB/GYN, bariatrics) Providers with unique practice models (online medical services, telemedicine, consulting) Miscellaneous practitioners and specialty service providers (chiropractors, alternative medicine, nurse registries) Managed care organizations (HMOs, PPOs, PHOs) and managed care service firms (credentialing, utilization review) Entity placements for physician groups, hospitals, and larger health systems Coverage Highlights and Advantages Medical Professional Liability (Medical Malpractice) for individual practitioners and entity placements where markets allow Errors & Omissions (E&O) and Directors & Officers (D&O) products tailored for managed care and healthcare organizations Ability to underwrite specialty service organizations such as medical billing firms, blood banks, labs, outpatient facilities, imaging centers, home health, rehab, ambulance services, and credentialing firms Placement options for unusual or evolving exposures driven by technology and online medical services Access to specialty carriers and wholesale market capacity for risks that struggle in standard admitted markets Underwriting Notes and Submission Requirements To obtain competitive consideration, submit a complete package. At minimum include: Completed application specific to the risk Clear description of operations and services performed Five years of loss history (claims and loss runs) High-severity or complex accounts (poor loss history, high-risk specialties, substance issues, international/foreign training or practice) can still be placed, but expect closer underwriting scrutiny and potentially higher premiums or tighter terms. Territories and Availability This program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability can vary by carrier and by state—check specific appetite and admitted/non-admitted options at submission. Why Work With Preferred Concepts LLC on This Business Access to specialty markets experienced with hard-to-place medical and healthcare risks. Program guidance that helps you package submissions for faster, more accurate underwriting review. Flexibility to consider unusual operations and newer healthcare delivery models that many admitted carriers will not entertain. Example Client Profiles A solo OB/GYN surgeon with an unfavorable loss history seeking professional liability limits and entity-tailored terms for a small practice. An HMO-style managed care firm that needs combined E&O and D&O placement along with tailored risk management endorsements. Submission and Contact: A thorough submission is necessary to get the job done. In addition to the application, include a clear description of activities and five years of loss history. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on products, insurance applications, and specialty lines information on their website www.mercatorpro.com. Frequently Asked Questions What types of medical accounts are the best fit for this program?Accounts that typically fit are hard-to-place physicians (adverse loss history or high-risk specialties), specialty service providers (billing firms, labs, imaging centers), and managed care organizations that require E&O and/or D&O protection. What documentation do I need to include with a submission?Include a completed application, a clear description of the insured’s activities, and five years of loss history or claims runs. For complex risks, supporting documents such as risk management protocols or practitioner credentials are helpful. Are entity placements available for physician groups and hospitals?Yes. Entity coverage for physician groups and hospitals is available in many states, especially for larger physician groups and health systems. Smaller groups and individual physicians may face state-specific market limitations. Can you place online medical services or telemedicine practices?Yes. The program has appetite for evolving technology-driven practices (telemedicine, online medical information services), but these require detailed operational descriptions and careful underwriting review. How do I get pricing or check state availability?Submit the required application and loss history for an accurate quote. State availability varies by carrier, so provide the insured’s state of domicile and operations on the submission to confirm admitted vs. non-admitted options and specific market capacity. Need help placing an account? Connect with a market specialist.